Inicio > Economía, finanzas, empresa y gestión > Finanzas y contabilidad > Finanzas > Quest for a Credible Model in Lending Evaluation
Quest for a Credible Model in Lending Evaluation

Quest for a Credible Model in Lending Evaluation

Quest for a Credible Model in Lending Evaluation

Charles K. Addo / Charles KAddo

7,32 €
IVA incluido
Disponible
Editorial:
iUniverse
Año de edición:
2011
Materia
Finanzas
ISBN:
9781450289610
7,32 €
IVA incluido
Disponible

Selecciona una librería:

  • Librería Samer Atenea
  • Librería Aciertas (Toledo)
  • Kálamo Books
  • Librería Perelló (Valencia)
  • Librería Elías (Asturias)
  • Donde los libros
  • Librería Kolima (Madrid)
  • Librería Proteo (Málaga)
Sobre IBD

This book examines potential income as an additional independent variable that will complement credit history to predict loan repayment with applicable interest. Lending exposures constitute the most material risk concentrations within banks, and this book contributes to the literature on lending risk management within banks and other lending institutions. Risk management theories have provided emphatic guidelines for risk control and management of banks’ loans, yet the results of other studies indicate that the credit evaluation models do not fully explore all available predictors of loan repayment. This deprives the models of total efficiency at predicting loan repayment with applicable interest, and leads to accretion in the nonperforming loans portfolio. It also leads to inequitable credit rationing practices. The resultant effect is a decrease in both investment and consumer spending that stimulates macroeconomic activities. This book suggests a policy prescription for lenders: consideration should be given to both credit history and potential income in loan decision making.

Artículos relacionados

  • Global Perspectives on Risk Management and Accounting in the Public Sector
    The effects of recent economic and financial crises have reached an international scale; a number of different nations have experienced the fallout of these events, calling into question issues of accountability and reform in public management. Global Perspectives on Risk Management and Accounting in the Public Sector is a pivotal reference source for the latest research on cur...
  • Alternative Decision-Making Models for Financial Portfolio Management
    Narela Spaseski
    Economics is an integral aspect to every successful society, yet basic financial practices have gone unchanged for decades. Analyzing unconventional finance methods can provide new ways to ensure personal financial futures on an individual level, as well as boosting international economies. Alternative Decision-Making Models for Financial Portfolio Management: Emerging Research...
  • Multi-Sided Platforms (MSPs) and Sharing Strategies in the Digital Economy
    Sergey Yablonsky
    Rapid technological advancements have the ability to positively or negatively impact corporate growth and success. Professional leaders and decision makers must consider such advancements when designing and implementing new policies in preparation for the sustainable future of the business environment. Multi-Sided Platforms (MSPs) and Sharing Strategies in the Digital Economy: ...
  • The Complete Penny Stock Course
    Jamil Ben Alluch
    You can learn trading penny stocks from the masses and become part of the 90% of traders who lose money in the stock market, or you can learn from the Best. The Complete Penny Stock Course is based on Timothy Sykes’, various training programs. His strategies have helped individuals like Tim Grittani, Michael Goode and Stephen Dux become millionaires within a couple of years.Thi...
    Disponible

    37,63 €

  • ADVANCED FINANCE THEORIES
    POON SER-HUANG / Ser-Huang Poon
    For PhD finance courses in business schools, there is equal emphasis placed on mathematical rigour as well as economic reasoning. Advanced Finance Theories provides modern treatments to five key areas of finance theories in Merton's collection of continuous time work, viz. portfolio selection and capital market theory, optimum consumption and intertemporal portfolio selecti...
  • Jefferson's Nightmare
    William O. Joseph
    Common working people have been getting screwed by the banking industry for hundreds of years. In the United States over 21 million family members have lost their homes since 2007. Millions more have watched their careers go up in smoke. If you think there is nothing wrong with such a system then don't bother to read this book.   Two hundred years ago, Thomas Jefferson ha...
    Disponible

    12,42 €

Otros libros del autor

  • Roots
    Charles K. Addo / Charles KAddo
    Nature itself preserves idolatry. From the imposing mountains of the earth to the wondrous planets dancing above the skies, to which we quail in adoration, they represent idolatry of the infinite degree. Religion has transposed earthly idolatry into heavenly idolatry, and connects beliefs as acceptable facts.The Greeks had Poseidon, their deity of the seas. The Chinese had thei...
    Disponible

    11,26 €

  • The Bono East Region in Ghana
    Charles K. Addo / Charles KAddo
    Disclaimer: The views expressed in this book are solely those of the author and do not necessarily reflect those of the Coalition of Chiefs for Bono East Region. Political administrative regions are created in response to complex economics, politics, and endless array of forces. In a developing country such as Ghana, region creation is primarily seen as part of a broad process ...
    Disponible

    11,42 €

  • RETURNING THE ELEPHANT INTO THE CITY
    Charles K. Addo / Charles KAddo
    DISCLAIMER: The views expressed in this book are solely those of the author and do not necessarily reflect those of the New Patriotic Party.Ghana faces socio-economic problems that require solutions by experienced and committed leadership, not inexperienced and uncommitted leadership. This book is a brief socio-economic analysis of Ghana and a lesson for the NPP as to why it wa...
    Disponible

    8,52 €